I am willing to bet your daughter is "fine and normal" and maybe has a couple of developmental delays. As the PT pointed out, these evaluations are crazy and not completely accurate portrayals of your child's whole world. It is also really hard to tease out what is personality and what is actual delay. Our evaluators "diagnosed" some things that we knew were not issues, or were just our kid's personality. For instance, they were worried that he didn't respond to his name consistently. But why should he, when Mom will come and get him if he doesn't?
Different evaluators with the same background will have different viewpoints too.
My son was evaluated at 15 months. He also has low tone and "W sits" (drives his PT crazy.) That's a default sitting position that doesn't require a lot of core strength. The tippy-toe walking some therapists might worry means she "doesn't like her feet touching stuff" so she's sensory-adverse, or the other explanation of the PT below (I've heard both.) Or, like the PT said, she could just be experimenting. (I still walk on my tiptoes!!!!)
And yeah, my guy didn't talk except for some words and phrases until one day he just had a language explosion. He also is a shy kid and has to warm up to people before he engages with them. He sounds a lot like your daughter!
So, to sum up -- don't freak out. Get a copy of the report from the DT and speech evaluations. Ask a lot of questions about anything you don't understand, and have your caseworker arrange a PT evaluation if you think that's an issue. Or stick with speech services only (if she qualifies.) I am a huge, huge fan of Early Intervention and it has been very helpful with my son's development, but it can also be hard to navigate. Feel free to e-mail me if you're still worried. :)